You can qualify with a score between 500 and 579 if you can provide a 10% down payment .
FHA loans are the most common path for buyers with lower credit scores because the government insures the lender against loss. programs for buying a home with bad credit
If your score is at least 580, you may qualify for the minimum down payment of just 3.5% . You can qualify with a score between 500
Lenders may approve scores as low as 550 if you have strong "compensating factors" like high residual income or significant cash reserves. Home Loans For Bad Credit: Know Your Options - Chase Bank Lenders may approve scores as low as 550
The VA itself does not set a minimum credit score, though individual lenders (like Veterans United or Navy Federal ) often set their own "overlays," typically around 580 to 620 .